Virginia Homeowners Insurance

Homeowners insurance doesn’t need to be complicated. Compare rates from Virginia by city and insurance company below.

How to find affordable home insurance in Virginia


Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. Home insurance covers your dwelling, attached buildings, and personal property in the event of a number of calamities, including fire, theft, vandalism, or wind damage.

Unlike car insurance, home insurance isn't priced based on state laws. Even so, major discrepancies exist in home insurance costs from state to state. Policy prices in states diverge depending on the frequency and value of homeowners claims made in the state, and depend on the value of the belongings and dwelling you're insuring.

The easiest way to get a cheap home insurance policy in Virginia is to shop around and compare rates from multiple companies. Learn more about how much home insurance costs in Virginia via the below data. Remember: your home insurance rates will vary, depending on your coverage limits.


Virginia home insurance:
  1. By insurance company
  2. By city
  3. Insurance bundling discounts
  4. FAQs

Home insurance rates in Virginia by carrier

Rates for homeowners insurance in Virginia vary based on the insurance company you choose. Virginia Farm Bureau offers the best deal on home insurance in Virginia — just $777 per year. This compares favorably to the state average rate of $1,100, offering a $324 discount on average statewide home insurance costs.

Start shopping for cheap home insurance by reviewing the best Virginia insurance companies, listed below.


HOME INSURANCE RATES IN VIRGINIA: BY CARRIER
CompanyAverage Annual Rate in Virginia
Virginia Farm Bureau$776.59
Travco$850.58
Safeco$992.53
Nationwide$1,025.20
Erie$1,041.06

Virginia home insurance costs by city

Homeowners insurance rates in Virginia differ by city. Prices depend on city-specific variables, such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest homeowners insurance in Virginia is available in Arlington. A typical homeowners insurance term in Arlington totals just $777 per year — $323 less than the average homeowners policy in other Virginia cities. The below cities have the most affordable homeowners insurance in Virginia.


AFFORDABLE HOME INSURANCE CITIES IN VIRGINIA
CityAverage 12-Month Home Insurance Rate
Arlington$777.10
Alexandria$778.17
McLean$796.36
Reston$798.91
Burke$802.41

Virginia insurance bundling discounts: homeowners and auto

If you want to save on insurance, consider purchasing your home and auto policies from the same insurance company. A home and car insurance bundle in Virginia can lead to substantial savings on your auto insurance policy. Bundling policies in Virginia may generate yearly savings of $57.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN VIRGINIA
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$889.00$832.00$57.007%

One of the best ways to save on auto insurance is to bundle your policies. Start shopping today!


Seeking info on homeowners insurance in a particular city? Check out our breakdown of major Virginia cities:

  1. Chesapeake
  2. Norfolk
  3. Richmond
  4. Virginia Beach

Virginia homeowners insurance FAQs


Does Esurance offer homeowners insurance in Virginia?

Yes - Esurance does provide homeowners insurance in Virginia.

Does GEICO offer homeowners insurance in Virginia?

Yes - GEICO provides homeowners insurance in Washington D.C.


Homeowners insurance and hurricanes in Virginia

Because hurricanes can cause such calamitous damage and completely ravage buildings altogether, insurers are reluctant to take on the full risk of hurricanes as a whole. If you live in Virginia, you could face increased risk of experiencing hurricane damage. In fact, 26, 960 single-family homes are at extreme risk of hurricane damage in Virginia.*

If you live near the coast, it's crucial to check and understand your homeowners insurance policy because usually a basic home policy won't be sufficient to cover hurricane damage — you would need separate flood and windstorm insurance policies, both of which would be applicable to pay for repairs or replacements. Depending on your location, your insurer may require a separate hurricane deductible if you live in a region that's at high risk for hurricanes.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)


Floods and home insurance in Virginia

Flood damage — no matter the circumstances under which it occurs —is not covered by standard home insurance. To ensure your home is covered, buy insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurance company.

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you receive:

  • $250, 000 coverage for your home's structure
  • $100, 000 coverage for your personal property

If the value of your property and home exceed these limits, consider purchasing a policy from a private company for additional protection. Flood insurance is key in Virginia, which suffered $4, 361, 841 in 2016 flood insurance claims, according to data from FEMA.


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